Britannia Car Insurance

With Britannia car insurance, you're in control

Simple car insurance you manage online 24/7.

Get a car insurance quote

Is Britannia car insurance the right choice for you?

useful description of image if informative and not decoration only.

Our online self-service car insurance is right for you if...

You're happy to manage, update and check your policy online.
You can self-serve with our online help guides and FAQs.
You only want to call to claim.

Why choose Britannia car insurance?

Digital self-service

Manage your policy when it suits you. Log in to your Britannia account and make changes online 24/7.

24/7 claims service

Need to make a claim? Our claims-only call centres are there, day or night.

Visit our claims page

Value for money

Online self-service and paperless documents mean more savings for you.

We guarantee all repairs

For as long as you own the car - when using our recommended repairer service (labour, not parts).

Compare your options

We offer 3 levels of cover, meaning you only pay for the cover you want.

	Britannia Essentials Car Insurance	Britannia Car Insurance	Britannia Premier Car Insurance

Motor legal expenses (MLE)	Optional	Optional	Included

Guaranteed hire car for repairs	Included	Included	Included

Guaranteed hire car for theft or total loss	Optional	Optional	Included

Breakdown cover	Optional: Choose from 3 levels of cover	Optional: Choose from 3 levels of cover	Optional: Choose from 3 levels of cover

Personal accident cover	£1,000	£5,000	£10,000

Protected no claim discount (PNCD)	Optional	Optional	Optional

Accidental damage	Included	Included	Included

Fire & theft	Included	Included	Included

Windscreen cover		Included	Included

Driving other cars		Third party only (if eligible)	Third party only (if eligible)

European cover	Minimum cover needed by law to drive in Europe for up to 180 days a year	Cover in the EU for up to 90 days a year at the same level as UK cover	Cover in the EU for up to 180 days a year at the same level as UK cover

Personal belongings		Up to £200	Up to £300

Child car seat replacement

Theft of keys

Loss of keys		Up to £1,000	Up to market value

Misfuelling

In car entertainment	Cover for manufacturer fitted in car entertainment only	Cover for manufacturer fitted in car entertainment and up to £1,000 for non manufacturer fitted	Cover for manufacturer fitted in car entertainment and up to £1,000 for non manufacturer fitted

New car replacement	Not included	Included	Included

Vandalism promise	Not included	Included	Included

Uninsured driver promise	Not included	Included	Included

Get a Britannia Essentials Car Insurance quote

Get a Britannia Car Insurance quote

Get a Britannia Premier Car Insurance quote

More about Britannia car insurance

What's not covered

What's not covered with a Britannia car insurance policy?

Any drivers who aren't named on the policy.
Damage to any car you're driving that's not the car you've insured with us.
If the car is stolen when the keys are left in, or near the car, the engine was running or it was left unlocked.
Mechanical or electrical breakdown.
Any vehicle that's already been classified as a Category A or Category B write-off.

Documents

Britannia car insurance documents

As we're regularly updating our products please refer to the documents in your Britannia account for the terms of cover that applies to your policy.

You can view your documents in your Britannia account. Request these and other documents in braille, large print or audio format by emailing us.

Find out more about how we use your personal information.

Britannia Car Insurance IPID 76 KB

Britannia Essentials Car IPID 76 KB

Britannia Car Insurance Policy Booklet 395 KB

Britannia Premier Car IPID 76 KB

Britannia Rescue Breakdown IPID (72KB)

Britannia Rescue policy wording (128KB)

Upgrade your cover with our optional extras

Motor legal expenses
Guaranteed hire car
Protected no claim discount
Breakdown cover

Motor legal expenses

£25.99

Motor legal expenses (MLE) gives you up to £100,000 to pursue another party for any uninsured losses (like loss of earnings) you've sustained as a result of an accident that wasn't your fault.

Included as standard with our Britannia Premier cover level and available to add to our Britannia Car Insurance and Britannia Essentials cover levels.

Guaranteed hire car

From £6.90

Gauranteed hire car means you'll have access to a small hatchback if your vehicle is stolen, written off or being repaired by our recommended repairers.

This may be included depending on your cover level:

Britannia Essentials Car Insurance - Included while your car is being repaired. Add to your policy for £6.90 to cover you if your car's stolen or written off.

Britannia Car Insurance - Included while your car is being repaired. Add to your policy for £6.90 to cover you if your car's stolen or written off.

Britannia Premier Car Insurance - Included as standard.

Protected no claim discount

Price varies

It means that any No Claim Discount (NCD) you've built up is protected - no matter how many claims you make.

To qualify for this optional extra, you need to have earned four or more years NCD.

If you wish to add protected NCD cover to an existing policy, you can do this in your Britannia account.

Note: You can't add protected no claim discount if you've had a claim that would impact your NCD

Your premium may still be affected if you make a claim.

Breakdown cover

Starts from £31 a year

Choose from our 3 levels of breakdown cover:

Local, National, and European.

Local: If you break down more than 1/4 mile away from home, we'll cover local recovery up to 10 miles from where your vehicle broke down.

National: If we can't fix your car on the spot or at home, we'll sort recovery for you and your passengers to anywhere in the UK.

European: You'll get everything from our National cover, plus we're on hand in Europe too.

Want to add breakdown to an existing policy? Simply log in to your Britannia account.

Frequently asked questions

How can I get in touch?

You're in complete control of your Britannia account, so you can make changes, update or check on your policy, 24/7.

If you have any Britannia Car Insurance related queries, or need to tell us about a technical difficulty, please email us at: [email protected].

To help us find your policy, please include with your full name, postcode, and vehicle registration.

Please don’t email again if you’re waiting for a reply, as this can delay us getting back to you and other customers.

If you need to make a claim, we want to be there for you in person. So, give our claims team a call on: 0330 678 1476.

Lines open 24/7. Calls may be recorded.

Visit our Contact Us page

Can I insure more than one car on a policy?

No. Unfortunately Britannia Insurance does not currently offer a multi car policy.

Am I covered if I put the wrong fuel in?

If you have either of our Britannia Premier or Britannia cover levels, you're covered if you put the wrong fuel in your vehicle. We'll pay to fix the engine damage and drain & flush your fuel tank.*

Misfuelling cover is not provided with our Britannia Essentials cover level.

* You'll need to pay your accidental damage excess, this amount is shown in your documents. You can find your documents in your Britannia account.

Have another question? Check out our FAQ hub